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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Sep 03, 2025Hindi
Relationship

My daughter had love marriage 3 years back. But now she & her husband, both Dictirs are finding many difference in their nature and are unable to adjust with each other. They say that their emotions no longer persist. They are finding difficult to continue as a couple. Can they resolve the issues?

Ans: Dear Anonymous,
It will help if they seek the guidance of an able marriage counselor/therapist. Issues can be resolved if they together feel that they want to work on their marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Relationship
Hi, my daughter got married in 2018. Her husband works in the US. Immediately after marriage she left with her husband to the US. My daughter is a single child and had a protected sort of life. At times immature and stubborn, she also has anger issues. She was not supposed to work, as my SIL wanted a housewife.There was compatibility issues between them from the beginning. He is from a very conservative family which we were not aware of before marriage. She got depressed there as the climate did not suit her and had no one to talk to. Most of her neighbours were working. SIL was busy with his work. They used to go out for drives or visit nearby places.We were not allowed to visit her. She finally came down to India homesick and in depression in 2020. Since then, he seems to be totally indifferent to her. She misses him terribly but he seems disinterested. He is only career driven and she has to message him always. He doesn't want to video chat or voice-call her. It’s nearly two years now. We tried talking to his parents but since they are financially dependent on him, they are not doing anything. What is to be done in this case? Please advise.
Ans:

Dear MM,

I am not against getting daughters married to people who live abroad, but at the same time, there’s only little that you know of them.

Just because the boy lives in the US, does not mean that he is broad minded and progressive.

Sadly, your daughter has fallen into a family that does not value feminine charm and power and wants to cull it before it can spread its magic around.

How do you explain something like this to her?

As a woman and mother, will you tell your daughter to grin it and bear it?

Someone who doesn’t have the decency to initiate a call to talk to his wife, sitting on a throne waiting for her to call? (I am going by the details provided by you as I don’t know his side of the story here).

It might be worth the effort to talk to your daughter and find out, if she has also put in the necessary work into growing into the marriage; as living far away from the family might have made her homesick and not working might have made her feel lonely.

This might have also caused her to isolate herself from the marriage which in turn would have caused cracks in it.

Hear both sides, and then come to a wise decision! Ultimately, she’s your daughter and I do know that you want what’s best for her.

So, think and act in a manner that’s best for her; unbiased to begin with.

Best wishes!

..Read more

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2023

Asked by Anonymous - May 22, 2023Hindi
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Relationship
Hello Anu, A friend is having trouble in his marriage of 17 years. The wife got into an affair with a neighbor. Once the friend found out, he took his time to consolidate evidence and now after confronting, both have accepted. The husband is too emotional to let go of the happenings and has taken it to heart like anything (6+ months now). They have a 13 year old kid. Both have come to terms with the fact that they need to be together for the kid's sake, but can't seem to come to terms to even talk to each other, staying in the same house. I have suggested them to stay together as parents and not as a couple (at least, till they are able to sort out the future steps) but there seems no way the husband will communicate with the wife in daily routine, and the wife is helpless as she feels morally guilty in saying anything to the husband. Could you suggest some tips on how to get them communicating so that they are able to at least move forward in some direction or the other?
Ans: Dear Anonymous,
When two adults consent to living together for the sake of the child despite what's happened, what's the point in playing EGO games? Will the child not be affected by his parents' drama now when he sees them spitting fire at each other or being passive aggressive? This might be really damaging to him.
Kindly advice your friend and his wife to go through this marriage in a somewhat harmonious fashion 'for the sake of the child' (since it's their decision).

There is nothing that will come out of this display of anger and power on the part of your friend. He is only trying to complain and get his hurt ego massaged and his wife will meekly be quiet knowing that she has caused this situation. How is this helping anyone?

So, if they want to live under one roof for the child's sake, let them do it as mature adults. There has to be a certain code of conduct while they live together as a family. And mind you, this is going to be more than just friendly banter. The boy is 13 and needs his parents more at the cusp of puberty and the parents here are looking out for themselves. If this continues, I would suggest that they think of separation at least till they allow the anger to simmer down. This will also allow the boy to breathe easy.

Go the whole hog; don't keep the foot in two places. It tears the family apart.

All the best to your friend and his family and thank you for caring about them! All the best to you too!

..Read more

Ravi

Ravi Mittal  |676 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 02, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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Relationship
Hi one of my married friend having 02 children (son approx - 11 yrs and daughter - 8 yrs ). He have a lot of love and care for his family and he take care of every need of the family. But suddenly he fall in love with his companion girl who is single (widow) and have a daughter of 11 yrs approximately. They oftenly meet with each other even have intimate a lot of time. Now he or she only have a relationship which is never acceptable and both of them not want to leave their families. However they just never felt uncomfortable to each other in their personal life and take of each other like husband wife. But my friend afraid of his personal life as if his wife will know their relationship she never accept it. Moreover it will hamper their personal life also. But as of now both females are happy with him coz his wife didn't know about their relationship. Will he still continue the relationship as neither he leave her female partner nor his wife. He takes care of both of them very comfortably. Kindly suggest upon it.
Ans: Dear Anonymous,
I understand that you want to know whether your friend will continue having his extramarital affair. It is difficult for me to tell, but if he is morally okay and guilt free to cheat on his wife, the mother of his two kids, it is possible that he will continue with the relationship until something blows up, i.e., his wife finds out or his girlfriend backs out. I don't see how that is ethically correct from any possible angle.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 01, 2024

Asked by Anonymous - Jul 29, 2024Hindi
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Relationship
Let it be an anonymous question Husband and my wife above 65 years had quarrels for various reasons including the fact that her brother's behaviour was quite irritating to .But for the wife he was her favorite one.Initially she too agreed this fact and found out a term a term in English about such behaviour of Brother to Sister's husband.The husband used to make such complaints to her.Finally after so many years of happy life she has hired a flat and staying alone.Initially she used to talk to him.But slowly she started telling if she hears his sound the whole day is gone.She has looked after his mother very well andin the same way he helped her parents.Her mother had a heart attack and escaped.His mother in law told publicly that only because of him she escaped.Even though such good incidents were there the present situation is suchthat theyare staying apart.She is not ready to come back.The husband had already put his best effortsto persuade by sending message,voice messages and personal appology for whatever happened.But she is not ready to come back even though his close relatives talked to her several times.But no use.What is to be done to bring back her and to have happy life.Kindly note that the husband is ready for anything to rebuild life.But she is very adamant that she will not come back.In fact both of them are short tempered .But sometimes her anger goes up like a helicopter.How to rebuild this relationship?How to handle the situation?.
Ans: Rebuilding a relationship when both parties are over 65 and facing significant issues requires patience, understanding, and often professional intervention. Here are some steps that might help in your situation:

First, it's important to acknowledge the depth of the emotional wounds that have been inflicted. Both of you have shared many years together and have supported each other's families, indicating a strong bond that has been strained by recurring conflicts. Recognizing the positive history and expressing gratitude for the past contributions can help set a foundation for reconciliation.

Given that your wife has chosen to live separately and is currently very resistant to communication, it might be helpful to suggest professional counseling. A neutral third party, such as a therapist or marriage counselor, can facilitate conversations in a safe and structured environment. Counseling can help both of you understand the underlying issues, improve communication skills, and work through the anger and resentment that have built up over time.

It’s also crucial to give her space while making it clear that you are committed to working on the relationship. Respect her need for distance, but keep the lines of communication open by occasionally sending thoughtful messages that express your willingness to understand and address her concerns without pressuring her.

Reflect on your behavior and be genuinely open to change. Demonstrating your willingness to work on your own shortcomings can make a significant impact. This might include managing your temper, improving your listening skills, and showing empathy towards her feelings and perspectives.

Involving a close family member or a trusted friend who she respects might also be beneficial. They can act as intermediaries to convey your sincere intentions and help mediate the situation without taking sides.

Lastly, patience is key. Rebuilding trust and repairing a relationship, especially after long-standing issues, takes time. Continue to show her through your actions that you are committed to making positive changes and are willing to put in the effort needed to restore your relationship.

If you both can agree to engage in the process, even if it starts with small steps, there’s hope for reconciliation and rebuilding a happy life together.

..Read more

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Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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